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The average rate for an ARM in New York is 3.68%. New York Mortgage Resources . The Empire State has some valuable resources for its homebuyers. The State of New York Mortgage Agency offers five mortgage programs with low down payment requirements, competitive interest rates, home rehabilitation funding and no prepayment penalties.

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You can have your tap water tested yourself to find out if it contains elevated lead levels. See page 12 to request a free tap water test in New York City, and to obtain a list of independent testing labs that are certified to test drinking water samples for lead.

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